Upon receipt of the customer’s request, the payment service provider:

• provides the bank customer free of charge with a list of active permanent credit transfer orders and direct debit authorisations ordered by the borrower, if any, as well as available information on recurring credit transfers to the customer and direct debits by creditors that have been executed in the consumer’s payment account in the last 13 months;

• transfers the positive balance from the account of origin to the new payment account, provided that the customer’s request includes all the information necessary to identify the new payment service provider and the customer’s payment account;

• closes the payment account free of charge on the date specified by the bank customer (at least six business days after the date the service provider receives the customer’s authorisation, unless otherwise agreed) or within one month, at most, if the customer has no outstanding obligations on the account.

If there are outstanding obligations that prevent the account from being closed or other legal relationships that may be affected by the closure of the account on the due date, the sending provider must immediately inform the bank customer of this fact and the consequences thereof.